:root{
  --navy:#092e86; --navy2:#082451; --orange:#ff5a00; --ink:#15213a;
  --muted:#5c667a; --line:#dde5ef; --soft:#f6f9fd; --warm:#fff8f2; --white:#fff;
  --max:1280px; --side:255px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);background:#fff;line-height:1.55}
a{color:var(--navy);text-decoration:none}
a:hover{text-decoration:underline}
.layout{display:grid;grid-template-columns:var(--side) minmax(0,1fr);min-height:100vh}
.sidebar{position:sticky;top:0;height:100vh;overflow:auto;border-right:1px solid var(--line);background:#fbfdff;padding:24px 16px}
.logo{display:block;text-align:center;padding:4px 8px 26px}
.logo-mark{font-size:34px;color:var(--orange);line-height:1}
.logo strong{display:block;font-family:Georgia,serif;color:var(--navy);font-size:22px;letter-spacing:.4px}
.logo span{display:block;color:var(--orange);letter-spacing:3px;font-size:14px}
.nav a{display:flex;align-items:center;gap:10px;padding:9px 12px;border-radius:8px;margin:2px 0;font-size:14px}
.nav a.active{border:1px solid var(--orange);color:var(--orange);font-weight:700;background:#fff}
.nav .sep{height:10px}
.main{min-width:0}
.wrap{max-width:var(--max);margin:auto;padding:0 32px}
.breadcrumb{font-size:14px;font-weight:700;padding-top:28px;color:var(--navy)}
.breadcrumb span{color:var(--orange)}
.hero{padding:18px 0 24px;border-bottom:1px solid var(--line)}
.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:44px;align-items:center}
h1{font-family:Georgia,serif;color:var(--navy);font-size:clamp(42px,5vw,66px);line-height:1.03;margin:0 0 12px}
h2{color:var(--navy);font-size:26px;line-height:1.2;margin:0 0 12px}
h3{color:var(--navy);font-size:18px;margin:0 0 8px}
.lead{font-size:23px;color:var(--navy);font-weight:700;line-height:1.35;margin:6px 0 18px}
.rule{width:68px;height:4px;background:var(--orange);border-radius:9px;margin:0 0 22px}
.hero p{font-size:17px;max-width:720px}
.visual{min-height:285px;border-radius:16px;background:
  radial-gradient(circle at 70% 25%,#fff 0 10%,transparent 11%),
  linear-gradient(135deg,#f4f8fc,#fff 60%,#fff4ea);
  border:1px solid var(--line);position:relative;overflow:hidden;display:flex;align-items:center;justify-content:center}
.visual::before{content:"";width:190px;height:110px;border-radius:50% 50% 32% 32%;background:#ef8e7e;box-shadow:inset 0 -28px 0 #e57261;position:absolute;bottom:67px}
.visual::after{content:"";width:45px;height:130px;border-radius:10px 10px 24px 24px;background:linear-gradient(#f5f5f5 0 16%,#888 17% 23%,#5d6671 24% 79%,#777 80%);position:absolute;bottom:50px;box-shadow:80px 0 0 -4px #65707c,-80px 0 0 -4px #65707c}
.visual img{width:100%;height:100%;object-fit:contain;background:#fff}
.trust{display:flex;gap:18px;flex-wrap:wrap;margin-top:16px;color:var(--navy);font-size:13px;font-weight:700;text-transform:uppercase}
.trust span{padding:8px 12px;border:1px solid #f4b07a;border-radius:10px;background:#fff}
.section{padding:30px 0}
.direct{padding:22px 24px;border-radius:14px;background:var(--soft);border:1px solid var(--line);margin-bottom:24px}
.direct strong{color:var(--navy)}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.card{border:1px solid var(--line);border-radius:14px;padding:20px;background:#fff}
.card.warm{background:var(--warm)}
.faq{display:grid;gap:10px}
details{border:1px solid var(--line);border-radius:10px;background:#fff;padding:0 18px}
summary{cursor:pointer;color:var(--navy);font-weight:700;padding:16px 0}
details p{margin:0 0 16px}
.link-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:10px}
.link-grid a{padding:12px;border:1px solid var(--line);border-radius:10px;background:#fff;font-weight:700}
.footer{border-top:1px solid var(--line);margin-top:22px;background:#fbfdff}
.footer-grid{display:grid;grid-template-columns:1.2fr 1fr 1fr 1fr;gap:20px;padding:26px 0}
.footer small{color:var(--muted)}
.footer-brand{font-weight:700;color:var(--navy)}
.legal{display:flex;gap:18px;flex-wrap:wrap;border-top:1px solid var(--line);padding:16px 0 24px;font-size:13px}
.notice{font-size:13px;color:var(--muted);margin-top:16px}
.imprint-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:30px}
.imprint-grid>div{border-right:1px solid var(--line);padding-right:20px}
.imprint-grid>div:last-child{border-right:0}
table{border-collapse:collapse;width:100%}
td,th{padding:10px;border-bottom:1px solid var(--line);text-align:left}
.kicker{color:var(--orange);font-weight:700}
@media(max-width:980px){
 .layout{display:block}.sidebar{position:relative;height:auto;border-right:0;border-bottom:1px solid var(--line)}
 .nav{display:grid;grid-template-columns:repeat(2,1fr)}
 .hero-grid,.cards,.footer-grid,.imprint-grid{grid-template-columns:1fr}
 .link-grid{grid-template-columns:repeat(2,1fr)}
 .imprint-grid>div{border-right:0;padding-right:0}
}
@media(max-width:620px){.wrap{padding:0 18px}.nav{grid-template-columns:1fr}.link-grid{grid-template-columns:1fr}h1{font-size:42px}}